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All Journal Jurnal Teknologi Pertanian Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal JMM (Jurnal Masyarakat Mandiri) Jurnal Teknik Pertanian Lampung (Journal of Agricultural Engineering) Jurnal Ilmiah Abdi Mas TPB Unram ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship Jurnal Agro Dedikasi Masyarakat (JADM)
Kurniawan, Hary
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Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences Other

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Optimization of Behavioral Scoring for Microcredit by Utilizing E-Commerce Seller Operational Data (Seller Metrics) Kurniawan, Hary; Febrica, Intan Astriyana; Isnaeni, Surmayanti; Rofiki, Rohman
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 7 No. 1 (2026): April (PROCESS)
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v7i1.1295

Abstract

his study aims to explore the role of seller metrics on e-commerce platforms in assessing microcredit risk through a Systematic Literature Review (SLR) approach. The study reviewed recent literature from 2020 to 2025 from academic databases such as Scopus, DOAJ, and Google Scholar, using keywords like "seller metrics," "microcredit risk," "credit scoring," and "machine learning." Findings indicate that seller metrics, including long-term payment behavior, transaction frequency, purchase consistency, and seller engagement on digital platforms, significantly enhance the accuracy, stability, and fairness of credit scoring models compared to traditional financial indicators. The integration of alternative data and the application of machine learning models, particularly boosting algorithms, further strengthen predictive capabilities for credit risk. Nonetheless, challenges related to formal validation, algorithmic bias, and model interpretability remain critical. Future research is recommended to develop a comprehensive predictive framework and bias mitigation strategies to support inclusion and fairness in microcredit risk assessment.
Co-Authors Amnah, Hanim Zuhrotul Amuddin Amuddin, Amuddin Anang Lastriyanto Ansar Ansar Apriana, Meli Ariansyah Ariansyah, Ariansyah Asmawati Asmawati Fakhrul Irfan Khalil Febrica, Intan Astriyana Guyup Mahardhian Dwi Putra Isnaeni, Surmayanti Kurniawan Yuniarto Ma’arif, M. Syamsul Murad, Murad Putri, Dina Soes Rahmat Sabani Rofiki, Rohman Siti Jahroh Sri Rahayoe Sukmawaty Sukmawaty, Sukmawaty